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The start of a new year brings hope and optimism and an opportunity to reflect on some of our financial decisions. 1. Getting emotional about the market. The ever-developing field of Behavioral Finance teaches us that people often rely on shortcuts or "rules of thumb" in an effort to simplify complex scenarios. Many experts believe that these shortcuts in the decision-making process, commonly known as heuristics, are behind many of the financial bubbles that we have seen throughout history.Investment performance tends to suffer when we let emotions cloud our judgment. When things are going well, our mindset tends to shift...

However, luckily for us, there are small acts of kindness to be found in the most unexpected places. Whether that's finding out that you were saved the last piece of birthday cake, or discovering that your friends regularly spend their time volunteering, it's always heartening to see that the people around us are less morally repugnant than we first assumed. The latest example of this comes from Middlesborough, England, where a restaurant received a remarkable note in the post after a group of diners fled without paying. Living in the 21st century, it can be slightly disconcerting to be affronted with...

“Dad, please sit down. I have something to tell you … I’m a stripper.” “Oh my God, you’re whoring yourself out on the streets to support your cocaine habit?” “Umm … no, that’s not what I said.” It put an awful strain on our relationship. He became quite distant from me for a couple of years. Our conversations, which had previously been filled with daddy-daughter love, became awkward. Stilted. I tried to talk about my job but he changed the subject. I tried to reassure him that I was safe and happy, but he reached as far away as possible...

A FAMILY has adopted NINE children from foster care to ensure that all the siblings can stay together. Penelope Jones and her husband Jacob had no children until they came across a plea to help the kids on Facebook. The young couple are now first time parents to four children who range in age from a few months old to four. They decided to join forces with Jacob’s parents Thad and Loryn to adopt all nine children who ‘’have a bond so tight they cannot be split up’’. Penelope, 28, and Jacob now look after the youngest four kids while the...